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With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12 or 24 months at 0% interest*.

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*

Get S$100 eCapitaVouchers and a Sealy Memory Foam Pillow (worth S$170) when you spend a minimum of S$3,000 or more at Sealy via instalment. Limited to the first 50 redemptions.  
Terms and Conditions apply.

Enjoy 5% off (capped at S$100) when you purchase the latest iPhone 14 at Harvey Norman via instalment. Limited to the first 200 redemptions. Terms and Conditions apply. 

Enjoy instant savings when you make an instalment payment of S$5,000 or more at PSB Academy. Applicable for existing and prospective PSB Academy students. Limited redemptions, terms and conditions apply. 

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will be accrued or earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.